Financing and guarantees

Bank guarantees for companies

You have any category of national or international bank guarantee, in digital or hard copy.

With the solvency of Banco Santander.
100% digital to save you time.
With the agility that your business requires.

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What are bank guarantees for companies?

A guarantee is an arrangement¹ by which the bank agrees to be answerable in complying with an obligation before a third party.

Having a guarantee issued by Banco Santander in your favour will allow you to meet the requirements of the beneficiary, derived from a commercial or contractual relationship, such as renting a property or participating in bids, tenders and auctions, among others.

Bank guarantees for companies issued by Banco Santander are characterised for being:

Solvent: they enjoy great prestige both in the national market and in the international market.
Digital: you can request national or international guarantees, in hard copy or digital, 100% online through your online banking.
Agile: we have advanced technology to be able to issue the guarantees in the shortest possible time.

How to arrange cover

You can apply for your digital endorsement completely online. In addition, to find out more and apply for any bank guarantee for companies, you can go to your nearest branch.

FAQs

Guarantor: in this case, Banco Santander, the issuer of the guarantee and obliged to pay in the case of non-compliance by the guaranteed party of the obligations.
Guaranteed Party: the customer requesting the guarantee.
Beneficiary: third party in favour of whom the guarantee is issued, this can be a person or a company.

Guarantees, depending on their term, can be of two types: indefinite guarantees with indefinite maturity (without expiration) and guarantees with a specific maturity date.

Yes, customers can use their own guarantee models, subject to review by our legal department.

Study: this is a percentage of the requested amount, and is charged at the time of arrangement.
Arrangement: this is a percentage of the amount of the guarantee and is charged at the time of arrangement.
Risk: this is also set as a percentage of the amount guaranteed, and is charged periodically until its cancellation.

Go directly to Banco Santander Online Banking > Financing and Guarantees > Guarantees > Request
Request any national or international guarantee for any type of recipient in the private or public sector.
Choose what guarantee you need. We can suggest some predefined copy or, if you rather, attach your own forms.

Your guarantees are 100% digital. We're getting rid of paper.
You can see the status of your guarantees online.
You will save time on arranging the guarantee.

Digital.
Paper: by delivery of the guarantee to a Banco Santander branch.

1. Operations subject to prior approval by the Bank.